Career Opportunity06/29/2014

Roberto H. Bruce, MS, CLU, ChFC, LUTCFCavaliers Insurance Marketing

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MissionMissionCavaliers Insurance Marketing

To provide our members with sales and

management skills for the pursuit of a progressive, successful professional

career in financial services.We believe that the key to long range agency success is in the professional development of our members.

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Cycle of Success

RECRUIT

Marketing Structure

Professional Development

Financial Independence

TRAIN

SELL

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Company vs. Products

1C

MP

1C

1P

MC

1P

MC

MPBROKER

900

899

898Rights Reserved

Agency Building Opportunity

Strong Companies Unique Products Ground Floor Opportunity Competitive Agency Compensation Vesting rights

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Product/Plan Portfolio PENSION PLANS – Administration; Funding; Distribution/Rollover.  DISABILITY INCOME (DI) – Individual DI; Simplified DI; Graded DI;

Business Overhead Expense.  CRITICAL ILLNESS (CI) – Fully Underwritten CI; Simplified CI.  WHOLE LIFE (WL) – Participating (Par) WL (Non-Med 250k, Med);

Simplified Non-Par WL (Level, Graded, Modified); Single Premium Par WL. 

UNIVERSAL LIFE (UL) – Lifetime Guaranteed UL; Cash Accumulation UL (Indexed UL, Traditional UL) – Non-Med 250k, Med; Low Premium UL. 

TERM LIFE – Guaranteed Premium Term (Non-Med 350k/250k, Med) w/ or w/o Return of Premium (ROP); Annual Renewable Term (ART) – PS1 (Group Term Life), PS58 (Split Dollar) Tables. 

ACCIDENTAL LIFE.  REVERSIONARY ANNUITY (Income Protector).  ANNUITIES – Fixed, Indexed.

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Agency Compensation System

52%-85%$20,000 A.P.(ANNUALIZED PREMIUM)

MANAGEMENTOVERRIDES

PERSONALPRODUCTION

Executive Sales Dir (As GA, An SGA)

85%-115% $300,000 A.P. 16 RECRUITS

Area Sales Manager (As GAII, An GA) 80%-105 %

$150,000 A.P. 10 RECRUITS

District Manager (As Broker, An Agent)

70%-95% $75,000 A.P. 6 RECRUITS

Unit Manager (As BrokerII, An Agent)

60%-85% $40,000 A.P. 2 RECRUITS

Associate (As Agent4, An Agent)

5%

15% 10%

25% 20% 10%

33% 28% 18% 8%

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Personal Production $ 100 / month policy

$ 100 X 12 = $1,200

X 50%__________

$600 / 2 hr__________

Not a lot of income

Not a lot of work either______________________

$300 / hrRights

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INSURANCE

PIONEER

EXCEL

SERVICE

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CHOICE?CHOICE?

EMPLOYEE

BUSINESS

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CLIENTSCLIENTS:

WITH INSURANCE

WITHOUT INSURANCE

PRACTICALLY, EVERYBODY!Rights

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CONVENTIONSCONVENTIONS•2012 – Lisbon, Portugal2012 – Lisbon, Portugal

•2013 – Bermuda  2013 – Bermuda  

•2014 – Rome, Italy2014 – Rome, Italy

•2015 – Costa Rica2015 – Costa Rica

•$56,250 annualized qualified $56,250 annualized qualified premium to year end.premium to year end.

•Qualified agent and guest.Qualified agent and guest.

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Your Capital(In California; Check for other States)

1. Pre-Licensing Education (52 Hrs)- $782. Life License Exam ————————— 453. Life & Health License (2 yrs) —— 1444. Fingerprint —————————————

695. Business Cards —————————— 10

Total $346Rights

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3 TYPES OF PEOPLE3 TYPES OF PEOPLE

1.1. DON’TDON’T KNOW WHAT KNOW WHAT HAPPENSHAPPENS

2.2. WATCHWATCH THINGS HAPPENTHINGS HAPPEN

3.3. MAKEMAKE THINGS HAPPENTHINGS HAPPEN

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A BROKER’S CREEDA BROKER’S CREEDCavaliers Insurance MarketingCavaliers Insurance Marketing

I hereby swear to abide

with the philosophy based on

the 3H of Conduct

– Honesty, Hardwork, and Help –

in my pursuit of a progressive,

successful professional career

in financial services.

So Help Me God.Rights Reserved